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If you are over the age of 18 and are out of your  parent’s home, likely you have run into the term “credit score.” Whether applying for a credit card or trying to buy a vehicle, you quickly realize how crucial a high credit score becomes in getting the best financial terms, the most profitable opportunities and in actuality to the entire health of your financial life.
In fact, your credit score affects things beyond credit purchases. For example, are you trying to rent a place? The first step for any reputable landlord is to pull a credit check. Think your automobile insurance is too high? Often, people do not realize that auto insurance rates are heavily tied to your credit score.

With access to the best financial terms, lower payments and low-interest rates, it is simply common sense that a good credit score can save you thousands of dollars every year. It is no wonder then that so many people are looking for ways to repair less than great credit. Before you can repair it, however, you need to understand it.

What exactly is a credit score?

Essentially, your credit score is a three-digit number that fluctuates from around 300 to 850, but that range can change depending on which scoring model is used. The higher credit score you have, the more creditworthy lenders view you. There are cases in which you can have no credit score at all, and typically this happens to young adults that have just started to become independent and have never purchased anything in their name. In fact, this is one of the biggest challenges that young adults face when trying to set out on their own. However, this problem does not solely affect young adults; it can also affect those that have purchased primarily with cash and have never had a credit account or a loan. Later, we will discuss how to repair less than stellar credit and how to establish credit if you have none.
Would it surprise you to learn that you have more than one credit score? In fact, at a minimum you have three, thanks to the three major credit bureaus; Experian, Transunion, and Equifax.

These competitive credit bureaus collect and update your financial and credit history in a credit report, and then run calculations through a scoring model to provide a credit score. These bureaus are where your lenders (and others) go to view your credit and make a decision on your creditworthiness. They may seek your credit score from one, two or all three, depending on their preference.

Your score may vary widely between credit bureaus because the same information is not always recorded to all of the bureaus, or they may record or store the information differently.

Different credit bureaus are not the only reason you have more than one credit score. In fact, you have far more than three credit scores because your credit score changes based on the scoring model used to perform the statistical analysis of your credit data.

This statistical analysis will put different weights on particular credit factors (such as debt type), with some factors affecting your credit more than others. The most widely used scoring model for lenders and the one you are likely familiar with is FICO, short for Fair Isaac Corporation. The Fair Isaac Corporation was the first company to offer a credit-risk model with a score.
There is not just one version of FICO, but many; with a different version used for mortgages, auto loans, credit cards and more. Additionally, FICO is not the only model used, and in fact, there are hundreds of scoring models, including FICO’s biggest competitor, Vantage Score.

Although there are too many scoring models to name here, it is important to remember that every scoring model out there is used for a particular purpose, and its calculations are created according to that purpose. With hundreds of different scoring models out there you could have hundreds of different credit scores!

So, now that you know how it works, what exactly is on your credit report? And how do you assure it is accurate? Well, thanks to the Fair Credit Reporting Act, 15 U.S.C. § 1681 (“FCRA”), a U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies, you as the consumer have certain rights and protections; including being entitled to a free credit report from each agency every 12 months.

On your credit report, you will find all of your financial accounts and their details including account balances, credit limits, loan amounts and payment history. This entitlement is great news for you, as there is no better way to know what is on your credit report, and in turn, what your lenders see than to get one yourself. You can obtain this free credit report by going to each bureau’s website.

What happens if you find an error or you contest the information on your credit report? As luck would have it, the FCRA protects consumers under these circumstances by granting them the ability to dispute inaccurate items on your credit report.
Disputing an item on your credit report can be done by writing a dispute letter to each bureau and in some cases (if the Bureau website allows) a dispute can be submitted through their website.


Fortunately, scoring models have enough credit factors in common that addressing these factors will universally help raise your credit score. So just what are the most important credit factors to consider when trying to repair your credit?
Critical Credit Factors

In this section, we will discuss the credit factors that universally help your credit, regardless of which credit bureau or scoring model is used. However, for simplicity sake and because 90% of lenders use FICO (it is the most common scoring model), we will be using FICO as the example when stating percentages (or weight) of a credit factor.

Although different scoring models apply different percentages or weights to each factor, improving them will help raise your credit score across the board.

Payment History: This is the most valuable information the lender is after, and because your payment history covers 35% of your total score, it should be the factor you are most concerned with protecting. In fact, according to FICO a single 30-day late payment can drop a good score by 90 to 110 points. So it is no secret that paying on time every time is the best strategy.
However, nobody is perfect, and sometimes financial crisis happens. The good news is a single late payment won’t hurt your credit forever, and the sooner you rectify it and the more time that passes between the delinquency and your current history, the sooner your credit will bounce back. Also, your misfortune will not haunt you forever.

There is a seven-year statute of limitations that regulates how long the late payment can be reported and the seven years starts from the date of the delinquency. If a late payment is showing up after seven years, you can dispute it and get it removed from your report.

You should see your credit score begin to rise once you start making all of your payments on time and dispute any old or inaccurate information that may appear on your credit report.

Debt Ratio: Coming in at 30% of your credit score, this factor holds only slightly less weight than your payment history. Sometimes called credit card utilization or amount owed, it is simply a matter of how much of your available credit is being used.

Your credit utilization ratio can be determined easily by adding your total outstanding balances and dividing it by your total credit limits to create a percentage.

Lenders like to see a ratio of less than 35% utilization and preferably closer to 10% for obvious reasons. A creditor is simply more reluctant to accept your application if they discover that you are overextended and relying too heavily on borrowed money. Paying off a large portion of your debt and bringing your utilization to a more desirable ratio can increase your credit score quickly.

Length Of Credit History: At 15% of your score this factor has a medium impact and is also the factor you have the least control over. It is also the credit score element that gives seasoned account holders an advantage over new account holders (provided your accounts are in good standing).

Your length of credit history is calculated differently between scoring models with some models using the age of your oldest account while others use the average age of your open accounts. It is an age-old scenario, much to the chagrin of new credit users, that after closing an unused credit card account, your credit score drops significantly because it then shortens the length of credit history.

If repairing your credit is the concern, it is far better to keep old accounts open and in good standing than to close them.
Your Credit Account Mix: While not a significant portion of your credit score at 10%, your account diversity is still important, because after all, when raising your credit score, every bit helps. Seeing a good mix of credit types is important to lenders because they like to see that you can manage a variety of accounts successfully. So what types of accounts are we talking about? While there are certainly more than two account types, the two leading contenders are:

1. Revolving accounts: A revolving line of credit is an account that does not have a fixed number of payments (but may have a required minimum) and the outstanding balance does not have to be paid in full every month and can in rolled over into the next month. Examples of revolving credit are credit cards, gas cards, home equity lines of credit and department store cards. Revolving accounts help prove that you can manage debt responsibly.

2. Installment accounts: An installment account is an account that is paid back over a set period, and that has fixed amount that you pay every month. Things like mortgages, auto loans or student loans are considered installment credit and show lenders that you can successfully maintain a payment over time.

Becoming familiar with each type of credit account, you can easily see why if your credit is made up of only one type of account, it gives only part of the picture of your account management habits. Diversity in your accounts gives creditors a full picture of your financial management and also helps keep your score high.
It may be a good idea to open an account to round out your financial profile but beware of going into more debt if you cannot afford it. Opening up another account should only be done if you have a legitimate need for it and more importantly the ability to pay for it.

An additional credit factor sometimes correlated to the type of credit accounts you have are the number of accounts you have. Whether open or closed accounts, creditors often like to see more than a one or two accounts on your credit profile when considering you for a loan.

New Credit and Credit Inquiries: Opening a new account or applying for new credit will not automatically lower your score or disqualify you from a loan. However, having many new accounts (especially if you have only managed credit for a short time), warns creditors that you may not know how to handle your debt responsibly and it throws up a red flag. Having many new accounts may also temporarily lower your credit score.

At 10% of your new score, it is important to open new accounts responsibly along with an appropriate budget and well thought out financial plan. Additionally, applying for credit too often can also lower your credit score through what is known as “hard credit inquiries.” A hard credit inquiry is when a lender or financial institution pulls your credit report to make a lending decision.

Too many of these credit checks will affect your credit score. It is important to note that the same is not true when a soft credit check is performed. An example of a soft credit check is when a person or company checks credit for a background check or getting preapproval for credit offers.

These soft inquiries can occur without your approval, but do not affect your credit score.

Additional Factors: Other delinquencies that will negatively affect your credit are debts such as judgments, bankruptcy, and unpaid fines or taxes.  So now that you know how to raise and protect your credit score, what should you do if you don’t have any?

Ways to establish a credit history

The quickest and safest way to begin building your credit score is with a secured credit card. People with bad or no credit can easily get a secured credit card because before you can use it, you must put money into it. So, if you put $800 in the credit card account, then $800 becomes your credit limit.

Using a secured credit card will help you create a positive credit history, and although unsecured credit cards may have better rewards and no money to put down, your credit score does not view a secured or unsecured credit card any differently.
Another way to establish a good credit history is with a credit builder loan. A credit builder loan is a small loan, offered by credit unions and banks that help people with no credit or bad credit establish a positive credit history.

There is little risk to the lender because they deposit the money into an account and do not release the money to the borrower until the payments have been made in full. The loan can be for as little as $100, and as long as you have made your payments on time, it can substantially raise your credit score.


Learn how to LEGALLY remove NEGATIVES off your credit report here

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TAVEUNI ISLAND RESORT & SPA A rare opportunity to acquire this renowned and fully established, award winning resort and spa. This premiere freehold island property is a unique offering beyond compare! Along with a list of international awards, Taveuni Island Resort & Spa’s most recent recognition, and one of its most prestigious, to start the year was the Trip Advisor ‘2017 Travelers Choice’ Award, reaffirming this premier resort and spa has all the elements synonymous with top luxury serene island retreats. This peaceful and adventurous location is situated on top of a coastal freehold 8.13 acre site, with the beauty of sunsets across its panoramic ocean vista. The resort has been developed over time with a complete rebuild in 2005 and maintained immaculately ever since. At capacity the resort accommodates 13 couples in generous, beautifully appointed villas, featuring an idyllic outlook from every room. Relaxing on the bed gazing out to the ocean or being pampered at the resort spa, Taveuni Island guests enjoy pure luxury and comfort; air-conditioned or just layered with light silky sea breeze. While private and secluded, the benefit of a post office, hospital, police and fire department are beneficial support facilities on the island, serviced by sea and a sealed airstrip for regular commuter access. Location information Being the third largest island in Fiji, it is 37 miles long, seven miles wide and rises to 4,000 feet above sea level, plunging an equal depth into the ocean beneath. Lake Tagimouci is right at the apex and its crystal clear waters cascade down through the dense rainforest in hundreds of small rippling rivers and spectacular waterfalls. One third of the land is World Heritage Rainforest Park. Not only is the land magical, the ocean rates as one of the top dive sites in the world. Rainbow Reef boasts 30 colorful and exciting dive sites with some of the most colorful corals found anywhere in the world. Fish life is abundant and varied and the pinnacle for uniqueness is the Great White Wall. The award winning Taveuni island resort and spa is offered for sale by expressions of interest closing on 28 April, 2017 (unless sold prior). Amenities Occupy Health/spa facilities Reception Restaurants

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KORO LEVU ISLAND Koro Levu Island, the jewel of Somosomo Strait, is a freehold paradise located on 180 degrees longitude and in the middle of one of Fiji’s best known dive destinations. It is a tropical volcanic island, oblong in shape with an elevated spine that runs most of its length. There are four pristine sandy beaches on the east side that shelve into beautiful deep blue languid water. Off the elevated ridge line there is a sloping section of land suitable as a building platform with well-defined cross fall for drainage and glorious views across the Strait to Waiyevo and the volcanic ridge mountains that run the full length of Taveuni. Dive spots radiate from Koro Levu. Off the Island are some of the largest four metre wide table corals to be seen anywhere and close at hand is Rainbow Reef which is known as the “Soft Coral Capital of the World”. Koro Levu is situated about 1 kilometre offshore from Waiyevo, the local administration and hospital centre for Taveuni and the trading stores at nearby Somosomo. Taveuni airport is only 8 miles or 12 kilometres away by a sealed bitumen road. There are also three “roll-on-roll-off” jetties around Waiyevo. Koro Levu would be suitable for a small boutique diving resort; an exclusive all-inclusive destination; or as a unique private or corporate retreat. The island is zoned “Rural” and the planning scheme for the area allows for tourism and related usage amongst other options. No local government rates are levied on the island. The Fijian Government offers tax concessions and development incentives for tourism. With the freehold granted in 1907 by Queen Victoria, Koro Levu Island is a premier property and stands out as one of the crown gems of Fiji real estate.

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DAVUILAU ISLAND Steeped in hillside terrain, the Island of Davuilau is a 54 acre beach induced wonderland. With a marvelous sandbar connecting it to the larger island of Matathawa Levu, Davuilau just barely remains in contact with the rest of an already secluded region of Fiji. Rich with aquatic beauty and one of Fiji's most unique creatures, the Rock Iguana, settlers to this island will find themselves in a world of dazzling discovery. Basking in the heart of the Yasawa Island Chain, Davuilau experiences magnificent weather throughout the year with both water temperatures and surface temperatures averaging a near splendid 80 degrees. Davuilau is a State Freehold and able to be leased for a period of 99 years or have its title purchased outright. Reachable by boat, helicopter and occasionally a low tide sand bar, the island remains a distant yet secure place of residence for any and all whom desire to bask in its white sandy beaches, snorkel with Dugongs, or admire its majestic and rare Rock Iguanas. {After conclusion of the 50 year lease, you are guaranteed to receive your purchase price back or renew lease for additional 50 years}

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Name: Nawi Island Lots Region: Fiji , South Pacific Location: Savusavu Bay Development: Non Developed Title: Freehold Type: Island Parcel Price: $ 489,000 Size: 40.00 Acres Lifestyles: Islands With Beaches, Income Producing, Ocean Island, Income Potential

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